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    MIRASTAR mortgage rates

    MIRASTAR's lowest publicly advertised 30-year fixed rate today is 7.055% APR — the national average is 7.147%. That's about $8,933 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read MIRASTAR's rates every weekday, starting around 11 a.m. Central.

    We last read MIRASTAR's rates page on Nov 2, 2026. MIRASTAR dates its published rate sheet Nov 2, 2026.

    Today's rates from MIRASTAR

    ProductRateAPRPointsWe readSource
    30 Year Fixed7%7.055%0.557Nov 2, 2026Visit
    Visit MIRASTAR's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join MIRASTAR

    Mirastar FCU membership is open to: employees and retirees of Santa Clara County; students and employees of the Santa Clara County Office of Education or any public school in Santa Clara County; employees of Select Employer Groups including Santa Clara Valley Medical Center, St. Louise Regional Hospital, O'Connor Hospital, Indian Health Center of Santa Clara Valley, Mayview Community Health Center, and Santa Clara County In-Home Supportive Services (IHSS); and companies or organizations that do business with or receive funding from a Corporate Partner. Anyone who does not otherwise qualify can join by becoming a member of the American Consumer Council (ACC) — Mirastar covers the cost. Immediate family and household members of eligible persons are also welcome.

    Employer
    Santa Clara County Valley Medical Center, St. Louise Regional Hospital, O'Connor Hospital, Indian Health Center of Santa Clara Valley, Mayview Community Health Center, County of Santa Clara – In-Home Supportive Services (IHSS), Santa Clara County Office of Education, Public schools in Santa Clara County
    Association / SEG
    American Consumer Council (ACC)
    Family of a member
    spouse, child, parent, sibling, grandparent, grandchild, step-relatives, adoptive relatives, household member
    County
    Santa Clara, CA

    Where MIRASTAR writes mortgages

    MIRASTAR publishes mortgage lending in 1 state.

    California

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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